Overview

Description

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

ANZ Equity Manager is a line of credit that helps you turn the equity in your home into money you can actually use. You'll be able to access it any time, just like an everyday banking account.

If you need a variable rate loan, but you don't want to pay for extra features you won't use, consider ANZ Simplicity PLUS. It's a basic loan that still gives you the flexibility to make extra repayments to pay it off sooner.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

ANZ Equity Manager is a line of credit that helps you turn the equity in your home into money you can actually use. You'll be able to access it any time, just like an everyday banking account.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

ANZ Equity Manager is a line of credit that helps you turn the equity in your home into money you can actually use. You'll be able to access it any time, just like an everyday banking account.

If you need a variable rate loan, but you don't want to pay for extra features you won't use, consider ANZ Simplicity PLUS. It's a basic loan that still gives you the flexibility to make extra repayments to pay it off sooner.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

ANZ Equity Manager is a line of credit that helps you turn the equity in your home into money you can actually use. You'll be able to access it any time, just like an everyday banking account.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

If you need a variable rate loan, but you don't want to pay for extra features you won't use, consider ANZ Simplicity PLUS. It's a basic loan that still gives you the flexibility to make extra repayments to pay it off sooner.

Principal and interest - current interest rate

Principal and interest - current interest rate

Interest rate with Special Offer Discount

Discount available on ANZ Simplicity PLUS Home Loans with at least $50,000 in new to ANZ lending.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

If you need a variable rate loan, but you don't want to pay for extra features you won't use, consider ANZ Simplicity PLUS. It's a basic loan that still gives you the flexibility to make extra repayments to pay it off sooner.

Principal and interest - current interest rate

Principal and interest - current interest rate

Interest rate with Special Offer Discount

Discount available on ANZ Simplicity PLUS Residential Investment Loans with at least $50,000 in new to ANZ lending.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant Terms and Conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF, 104kB) before acquiring any product.

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply.

Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.

Subject to credit approval criteria. Different maximum loan amounts may apply to specific property types and locations. Eligible existing ANZ customers must have had a retail lending product for greater than 6 months with a satisfactory credit history.

Eligibility criteria apply. On application for the waiver by the customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF 544kB).

Fixed Rate Home Loans aren’t for everyone and the rate may change at any time prior to the loan being settled. You can ask ANZ about options for locking in a fixed rate before settlement. Terms and Conditions and a $750 Lock Rate Fee apply.

For ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost. An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large. Terms and Conditions apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF 296kB) and ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF 140kB). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641, 8:00am to 8:00pm (AEST), Monday to Friday, 8:00am to 6:00pm (AEST) Saturdays and Sundays.

Offers can be withdrawn or changed at any time. Customers must request waiver or refund of Loan Approval Fee or any Renegotiation Fee, this will not be automatically applied. In some instances customer may receive refund instead of waiver of loan approval fee or any renegotiation fee.

The range of interest rates shown incorporate ANZ Breakfree discounts and ANZ Breakfree Special Offer discounts which apply while you hold an ANZ Breakfree package and meet ongoing eligibility criteria. The applicable discount varies based on loan amount, total mortgage lending and other eligibility criteria. Eligibility for interest rate discounts of between 0.75% p.a. and 0.90% p.a. are subject to ANZ Breakfree Package Special Offer Terms and Conditions (PDF 40kB), which include total mortgage lending requirements, lending to value ratio requirements, and new lending requirements for existing customers. Eligibility for discounts between and are based on total mortgage lending requirements and the ANZ Breakfree Terms and Conditions. For details, see ANZ Breakfree package.